832-400-5093
Our Foreign National program helps international clients purchase U.S. homes and investment properties—even if you don’t have a U.S. job, tax returns, or established credit. We use alternative documentation (passport/visa, bank/reference letters, assets) to qualify and tailor a loan to your situation.
Buy in the U.S. without a U.S. credit file or income history—we qualify with passport/visa, assets,
Property address/price, country of residence, passport/visa status, and timeline.
International bank statements and proof/source of funds (seasoning); bank/credit reference letters if available.
We outline down payment/LTV, estimated rate & payment, required reserves, and ownership options (individual or LLC).
Receive a pre-qualification and a short closing checklist (appraisal, title/escrow, funds transfer). We guide you to the finish.
Occupancy: Second homes and investment properties (most common).Down payment: typically 25–40% depending on the profile and property type.Credit: U.S. credit not required; international credit/bank references accepted.Reserves: usually 6–12 months of PITIA.Docs: Passport & valid visa (or acceptable travel status), proof/source of funds, international bank statements/reference letters, purchase contract.Ownership: Individual or LLC (case-by-case).Closing: Escrow/title in the U.S.; remote options may be available through the title company.
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